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International Personal Finance (GB:IPF)
:IPF
RESEARCH TOOLSreports
Total Valuation
International Personal Finance has a market cap or net worth of £291.05M. The enterprise value is 812.38M.
Market Cap£291.05M
Enterprise Value812.38M
Share Statistics
International Personal Finance has 218,407,970 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding218,407,970
Owned by Insiders0.10%
Owned by Institutions―
Financial Efficiency
International Personal Finance’s return on equity (ROE) is 0.10 and return on invested capital (ROIC) is 15.95%.
Return on Equity (ROE)0.10
Return on Assets (ROA)0.04
Return on Invested Capital (ROIC)15.95%
Return on Capital Employed (ROCE)0.30
Revenue Per Employee91.94K
Profits Per Employee5.75K
Employee Count8,351
Asset Turnover0.65
Inventory Turnover0.00
Valuation Ratios
The current PE Ratio of International Personal Finance is 5.99. International Personal Finance’s PEG ratio is -0.26.
PE Ratio5.99
PS Ratio0.72
PB Ratio0.57
Price to Fair Value0.57
Price to FCF4.55
Price to Operating Cash Flow3.35
PEG Ratio-0.26
Income Statement
In the last 12 months, International Personal Finance had revenue of 767.80M and earned 48.00M in profits. Earnings per share was 0.21.
Revenue767.80M
Gross Profit598.40M
Operating Income289.50M
Pretax Income83.90M
Net Income48.00M
EBITDA190.10M
Earnings Per Share (EPS)0.21
Cash Flow
In the last 12 months, operating cash flow was 74.20M and capital expenditures -4.80M, giving a free cash flow of 69.40M billion.
Operating Cash Flow74.20M
Free Cash Flow69.40M
Free Cash Flow per Share0.32
Dividends & Yields
International Personal Finance pays an annual dividend of 11.399p, resulting in a dividend yield of 7.93%
Dividend Per Share11.399p
Dividend Yield7.93%
Payout Ratio26.23%
Free Cash Flow Yield―
Earnings Yield―
Stock Price Statistics
Beta0.48
52-Week Price Change42.40%
50-Day Moving Average129.45
200-Day Moving Average130.09
Relative Strength Index (RSI)51.30
Average Volume (3m)895.22K
Important Dates
International Personal Finance upcoming earnings date is Jul 30, 2025, TBA Not Confirmed.
Last Earnings DateFeb 26, 2025
Next Earnings DateJul 30, 2025
Ex-Dividend DateApr 10, 2025
Financial Position
International Personal Finance as a current ratio of 3.52, with Debt / Equity ratio of 117.92%
Current Ratio3.52
Quick Ratio3.52
Debt to Market Cap1.78
Net Debt to EBITDA2.59
Interest Coverage Ratio3.76
Taxes
In the past 12 months, International Personal Finance has paid 35.90M in taxes.
Income Tax35.90M
Effective Tax Rate0.43
Enterprise Valuation
International Personal Finance EV to EBITDA ratio is 4.11, with an EV/FCF ratio of 12.35.
EV to Sales1.02
EV to EBITDA4.11
EV to Free Cash Flow12.35
EV to Operating Cash Flow9.10
Balance Sheet
International Personal Finance has £86.50M in cash and marketable securities with £535.40M in debt, giving a net cash position of £480.00M billion.
Cash & Marketable Securities£86.50M
Total Debt£535.40M
Net Cash£480.00M
Net Cash Per Share£2.20
Tangible Book Value Per Share£1.88
Margins
Gross margin is 80.97%, with operating margin of 37.71%, and net profit margin of 6.25%.
Gross Margin80.97%
Operating Margin37.71%
Pretax Margin10.93%
Net Profit Margin6.25%
EBITDA Margin24.76%
EBIT Margin20.94%
Analyst Forecast
The average price target for International Personal Finance is ―, which is 11.43% higher than the current price. The consensus rating is Moderate Buy
Price Target―
Price Target Upside―
Analyst ConsensusModerate Buy
Analyst Count0
Revenue Growth Forecast-5.41%
EPS Growth Forecast27.41%